# Insurance Requirements

Details around the COI requirements for Lula Pros

Written by Josh  
Updated today

We require every Pro on our platform to carry updated general liability insurance. When you request a COI (certificate of insurance), please make sure that it matches the following:

**Business General Liability Insurance Coverage Requirement**  
Commercial General Liability (CGL) insurance on an occurrence basis with limits of at least $1,000,000 per occurrence and $1,000,000 general aggregate. Coverage must include premises-operations, products-completed operations, contractual liability, personal and advertising injury, and independent contractors.

Providers are required to submit a copy of their certificate of liability insurance (ACORD form). All providers are required to list Lula as a certificate holder.

**COI Holder Information:**  
Lula, Smarter Property Maintenance Inc.  
7285 W 132nd St.  
Suite 150  
Overland Park, KS, 66213

**Ongoing Insurance Compliance**  
Lula reviews insurance certificates received and tracks policy expiration dates. Providers receive a 30-day notice before their policy expires. If a new certificate is not provided by the expiration date, providers are automatically placed on hold. A hold is a temporary status that prevents providers from receiving new work but does not permanently remove them from the platform. Compliance-related holds will only be lifted once updated documentation is received.

[Here’s an example of a COI that meets all of our requirements](/content/wp-content/uploads/2024/09/Lula-Sample-COI.pdf).

If you don't have insurance, you can get a quote for a policy through our partner at [FoxQuilt](https://foxquilt.com/). You can reach them at 888-878-4588 or [sales-us@foxquilt.com](mailto:sales-us@foxquilt.com) for your quote.